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(you
must read before proceeding)
Electronic Banking Service Agreement And Disclosure Statement
Your initial sign on will require you
to type in any one of your account numbers for the
Access ID number. You will also be required to enter a
temporary password. This temporary password will be the same number you are
currently using for your Telebanc Personal
Identification Number (PIN). If you are not a Telebanc
user you will need to contact us at 920-564-2336
or e-mail
generalbox@oostburgbank.com
Your Passwords and Access ID must be 6 to
12 alpha or numeric characters. After your initial sign on you will be
required to change your Password. We strongly suggest
you also change your Access ID. Once this is completed we encourage you to
click the Options button on the Online Banking main page
and choose to register your email. This will
enable us to email you your password should you forget
it. We will not share your email address with
anyone and you will not be solicited by the bank as a
result of registering your email address with Online
Banking.
Last amended 10/16/2001
By clicking on the I Agree
button below you are agreeing to subscribe to
electronic banking and related services offered by
Oostburg State Bank as described in this Service
Agreement and Disclosure Statement, you (the account
holder) agree to the terms and conditions of this
agreement. Each time you use Oostburg State Bank's
electronic banking service constitutes confirmation by
you of your agreement to and the understanding of the
terms of this agreement. Please read this agreement
carefully and keep it for future reference.
This agreement is in addition to all
other agreements we may have with you including your
signature cards or account agreements for your Deposit
Account(s) and/or Loan Agreement(s).
PASSWORD; CONFIDENTIALITY OF PASSWORD
All Oostburg State Bank electronic
banking transactions or inquiries must be initiated by
use of your Oostburg State Bank electronic password. You may change
your password from time to time, as provided in the software
programs. It is recommended that you do not use your
social security number, birthdays, or other codes that
may be easy for others to determine as your password. No bank
employee will ever ask for your password, nor should you
provide it to anyone unless you intend to allow that
person access to your accounts. If you authorize another
person to use your password, that person can use Oostburg
State Bank electronic banking services to view any
information or initiate any transaction on any of the
accounts to the same extent as you, including viewing
information or initiating transactions on accounts to
which that person would not otherwise have access. As
such, sharing your password is strongly discouraged by the
Bank, and is done at your sole risk and peril. If a
third party should gain access to your password, you alone
are responsible for changing the password so as to deny the
third party's access to your banking information.
Oostburg State Bank disclaims any
liability for the display or accuracy of your account
data by any account aggregation service provided by a
third party.
YOU AGREE TO KEEP YOUR PASSWORD
CONFIDENTIAL. USE OF THE PASSWORD BY YOU OR BY ANY OTHER
PERSON WITH YOUR AUTHORIZATION WILL BE CONSIDERED THE
SAME AS YOUR WRITTEN SIGNATURE AUTHORIZING US TO
COMPLETE ANY TRANSACTION COMMUNICATED THROUGH OOSTBURG
STATE BANK ELECTRONIC BANKING SYSTEMS.
You should always exit Oostburg State
Bank electronic banking systems after viewing your
accounts. Never leave your computer or phone unattended
while accessing Oostburg State Bank electronic banking
system. If you should, a third party may be able to
access your accounts without ever needing to use your
password.
FEES
At this time, access to Internet
Banking and Telebanc systems is free. This includes making transfers between your
Oostburg State Bank accounts, retrieving and reviewing
Oostburg State Bank account information and making
Oostburg State Bank loan payments (excluding secondary
market loans) using funds from your Oostburg State Bank
checking or savings accounts.
New program capabilities in the future
may have fees associated with them. By using these new
features you agree to pay, and authorize us to debit any
such fees from the designated account. You will be
notified of such fees before you begin using the feature
and in this agreement. Any changes in these fees will be
designated through updates to this agreement.
AUTHORIZATION
You expressly authorize us to debit
the appropriate Deposit Account in the amount of any
bank transfer initiated through Oostburg State Bank
electronic banking systems, by you or by any other
person who is authorized to use your password. You agree that
we may treat any such bank transfer from a Deposit
Account the same as a duly executed written withdrawal,
transfer, or check and that we may treat any such bank
transfer to a Deposit Account the same as a deposit, all
in accordance with the terms of this agreement and your
deposit agreements with us.
HARDWARE AND SOFTWARE REQUIREMENTS
To be able to use the Oostburg State
Bank ONLINE Internet Banking system, you must obtain
your own personal computer (a "PC") with a
modem and related equipment (the "Hardware").
You also must provide the type of telephone service and
Internet access service required by the Hardware and/or
Software. Once the Hardware has been properly connected
to the telephone service, and any required internet
access has been established, you will be able to access
the Oostburg State Bank ONLINE Internet Banking site.
You are and will remain solely responsible for the
purchase, hookup, installation, loading, operation and
maintenance of the Hardware, Software, telephone
service, and the Internet access service to your PC, and
for all related costs. You are solely responsible for
scanning the Hardware and Software for computer viruses
and other related problems before you use them.
Browser Security:
The encryption system used by the
Oostburg State Bank electronic banking system is a
Secure Socket Layer system that supports 128-bit
encryption. In order to use Oostburg State Bank's ONLINE
Internet Banking you must have the hardware and/or
software to support 128-bit encryption. Internet Banking
provides links for you to upgrade your browser.
INTENDED USAGE
Use of this system is restricted to
authorized users. You agree to use Oostburg State Bank
electronic banking systems solely for the purpose
intended. If any possible suspicious or criminal
activity is detected, system records may be provided to
the necessary law enforcement officials.
You may use this system to:
1. Transfer funds between any Deposit
Accounts, such as checking, savings, or money market
deposit accounts;
2. To receive and download balance and
transaction information;
3. To make loan payments for all loans
except, secondary market loans or other loans not
serviced by Oostburg State Bank.
FREQUENCY OF TRANSFERS
You may use your code (password) to make an
unlimited number of transfers each day from your
checking account. Federal Regulations limit the number
of transfers you may make from a savings account or
money market account to a maximum of six (6) transfers,
including Telebanc or Internet Banking transfers, per
statement cycle (month).
FAILURE TO MAKE TRANSFERS
If we do not complete a transfer to or
from your account on time or in the correct amount
according to our agreement with you, we will be liable
for losses or damages. However, there are some
exceptions: We will NOT be liable if (for instance):
1. Through no fault of ours, you do
not have enough money in your account to make the
transfer; or
2. The transfer would go over the
credit limit on your overdraft line; or
3. The terminal/system was not working
properly and you knew about the breakdown when you
started the transfer; or
4. Circumstances beyond our control
prevented the transfer, despite reasonable precautions
that we have taken.
There may be other exceptions stated
in our agreement with you.
ACCOUNT ACCESS
If you fail to log in three (3)
consecutive times the system will lock you out for
sixteen (16) hours. If you are locked out three (3)
consecutive times, your access to the system will be
terminated. This will require you to come into the bank
and reenter a new password before you are subsequently
able to use the system. For added security, we encourage
you to change your password frequently. In addition,
after 90 days of inactivity Online Banking will void the
most recently used password. Should you wish to use the
Online Banking after this amount of time has elapsed you
will need to sign on as a first time user and
reestablish a password.
It is your responsibility to log off of Internet
banking when you are completed with your transactions.
After 20 minutes of inactivity the Internet banking
function will automatically disconnect. However, you are
encouraged to log off as soon as you are done with your
Internet banking and prior to additional web site or
Internet browsing.
The electronic banking systems of
Oostburg State Bank are available to you for your
convenience 24 hours a day, 7 days per week. However,
due to system maintenance, some or all of Oostburg State
Bank’s electronic banking systems may be down.
BUSINESS DAYS
Everyday is a business day, except
Saturdays, Sundays and federal holidays.
FUNDS AVAILABILITY
Our policy is to make funds from your
deposits available to you on the first business day
after the day we receive your deposit. At that time you
can withdraw the funds in cash, or we will use the funds
to pay checks that you have written.
If you make a deposit through our
Telebanc or Internet Banking systems before 4:30 p.m.
CST on a business day, we will consider that to be the
day of your deposit. However, if you make a deposit
after 4:30 p.m. CST or on a day we are not open, we will
consider that the deposit was made on the next business
day we are open.
Please refer to your Funds
Availability Disclosure given to you at the time you
opened your account for more information on this
subject.
LIABILITY DISCLOSURE
Tell us at once if you believe your
code (password) has been stolen. Telephoning is the best way
of keeping possible losses down. You could lose all the
money in your account (plus your maximum overdraft line
of credit). If you tell us within two (2) business days,
you can lose no more than $50.00 if someone used your
code (password) without your permission.
If you do not tell us within two (2)
business days after you learn of the loss or theft of
your code (password), and we can prove we could have stopped
someone from using your code (password) without your
permission if you had told us, you could lose as much as
$500.00
Also, if your statement shows
transfers that you did not make, tell us at once. If you
do not tell us within 60 days after the statement was
mailed to you, you may not get back any money you lost
after the 60 days if we can prove that we could have
stopped someone from taking the money had you told us in
time. If a good reason (such as a long trip or a
hospital stay) kept you from telling us, we will extend
the time period.
ADDRESS AND TELEPHONE NUMBER
In case of errors or questions about
your electronic transfers or if you believe that your
code (password) has been lost or stolen, or that someone has
transferred or may transfer money from your account
without your permission, call (920) 564-2336, e-mail generalbox@oostburgbank.com
, or write:
Customer Service
Oostburg State Bank
P.O. Box 700198
905 Center Avenue
Oostburg, WI 53070-0198
Please inform us as soon as possible.
We must hear from you no later than 60 days after we
sent the FIRST statement on which the problem or error
appeared.
In all correspondence please:
1. Include your name and account
number;
2. Describe the error or the transfer
you are unsure about, and explain as clearly as you can
why you believe it is an error or why you need more
information;
3. Tell us the dollar amount of the
suspected error.
If you tell us orally or through
e-mail, we may require that you send your complaint or
question in writing within 10 business days.
Within 10 business days after we hear
from you we will determine whether an error occurred and
will correct any error promptly. If we need more time,
however, we may take up to 45 days to investigate your
complaint or question. If we decide to do this, we will
credit your account within 10 business days for the
amount you think is in error, so that you will have the
use of the money during the time it takes us to complete
our investigation. If we ask you to put your complaint
or question in writing and we do not receive it within
10 business days, we may not credit your account.
We will tell you the results within
three business days after completing our investigation.
If we decide that there was no error, we will send you a
written explanation.
You may ask for copies of the
documents that we used in our investigation.
ACCOUNT INFORMATION DISCLOSURE
We will disclose information to third
parties about your account or the transfer you make:
1. Where it is necessary for
completing transfers; or
2. In order to verify the existence
and condition of your account for a third party, such as
a credit bureau; or
3. In order to comply with government
or court orders; or
4. If you give us your written
permission.
PERIODIC STATEMENT
If you use our Telebanc or Oostburg
ONLINE Internet Banking services, your monthly account
statement will show each Telebanc or Oostburg ONLINE
Internet Banking transaction.
AMENDMENTS
We may amend this agreement from time
to time. The "Last amended" date will be
indicated within the Electronic Banking Service
Agreement and Disclosure Statement. It is your sole
responsibility to review this agreement and any
subsequent amendments to this agreement prior to logging
in. By clicking "I Agree" you acknowledge you
have read and agree to the above terms and conditions.
Attention: First Time Users
Your initial sign on will require you
to type in any one of your account numbers for the
Access ID number. You will also be required to enter a
temporary password. This temporary password will be the same number you are
currently using for your Telebanc Personal
Identification Number (PIN). If you are not a Telebanc
user you will need to contact us at 920-564-2336
or e-mail
generalbox@oostburgbank.com
Your Passwords and Access ID must be 6 to
12 alpha or numeric characters. After your initial sign on you will be
required to change your Password. We strongly suggest
you also change your Access ID. Once this is completed we encourage you to
click the Options button on the Online Banking main page
and choose to register your email. This will
enable us to email you your password should you forget
it. We will not share your email address with
anyone and you will not be solicited by the bank as a
result of registering your email address with Online
Banking.
Please see the PASSWORD;
Confidentiality of PASSWORD.
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